Northwoods Bank of Minnesota: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.27 percentage points to 4.18%. Within Minnesota, Northwoods Bank of Minnesota is 91st of 221 on net interest margin, 4.18% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Northwoods Bank of Minnesota sits 0.23 points higher, at 4.18% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.27% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.19% |
| Cost of interest-bearing deposits | 1.55% |
| Cost of interest-bearing liabilities | 1.61% |
| Cost of borrowings | 4.22% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.18% |
| Yield to cost spread | 3.66% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.3M |
| Total interest expense | $377K |
| Interest expense on deposits | $355K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin |
|---|---|---|---|
| Q3 2023 | 4.17% | 1.00% | 3.25% |
| Q4 2023 | 4.48% | 1.18% | 3.34% |
| Q1 2024 | 4.49% | 1.31% | 3.24% |
| Q2 2024 | 4.73% | 1.43% | 3.36% |
| Q3 2024 | 4.75% | 1.62% | 3.33% |
| Q4 2024 | 4.73% | 1.56% | 3.32% |
| Q1 2025 | 4.88% | 1.34% | 3.65% |
| Q2 2025 | 4.76% | 1.34% | 3.55% |
| Q3 2025 | 5.22% | 1.35% | 3.99% |
| Q4 2025 | 5.15% | 1.31% | 3.95% |
| Q1 2026 | 5.03% | 1.23% | 3.91% |
| Q2 2026 | 5.27% | 1.19% | 4.18% |
Northwoods Bank of Minnesota yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Northwoods Bank of Minnesota, freeSource: Call Report Schedules RI and RC-K, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Northwoods Bank of Minnesota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1415) · FFIEC NIC profile (RSSD 284752)